Insurance Companies In Port St Lucie Fl – Buying a home in Port St Lucie, Florida? Need risk and flood insurance? Want better value for your car insurance? Do you have questions about your apartment or renter’s insurance?
You have come to the right place. When it comes to insuring your home, apartment, car or property, we’ve got you covered! Simply choose from the selection below to find out more and get a free quote.
Insurance Companies In Port St Lucie Fl
At Regency Insurance Group, we believe there is very little turnover in going the extra mile, which is why we are more than willing to go above and beyond the call of duty to protect your property.
Lake Vista Trail, Unit 206, Port St. Lucie, Fl 34952
If you are buying a house for the first time, CONGRATULATIONS! Welcome to a whole new world of excitement and suspense. There is a lot to learn! For example, did your lender or mortgage broker tell you that you need to get wind and hazard insurance? If so, that just means you need home insurance.
Why do you need home insurance? If you’re buying in cash or if you don’t have a mortgage on your home, it technically isn’t. But if you have a mortgage and/or home financing, your lender requires you to because they are just as interested in your home as you are.
The purpose of hazard insurance is to protect your property and your lender’s property in the event of a claim arising out of a “peril” occurring to your property, theft, damage or total destruction.
It is also called wind and hail insurance. Hurricane insurance basically covers the same things that the homeowners policies/perils above cover.
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Now that you know the factors that affect the cost of risk insurance in Port St Lucie, you are probably wondering:
That’s the question that comes to everyone’s mind. You want the best value for your premiums and you want to be sure that your insurance provider will help you when you need it most. We work with some of the leading insurance providers with some of the best ratings to give you peace of mind.
We have many great partners. However, when it comes to home insurance in Port St Lucie, we have found the following five companies that provide very competitive rates to ensure you get great rates.
Florida Statute 626.0629 requires insurance companies to offer discounts, credits or other rate differentials to Florida homeowners for construction techniques that reduce storm damage and losses. Fortunately for you, there are many ways to save on your Florida home insurance. In fact, there are so many that we had to create our own separate page. Visit the Florida Home Insurance Discounts page and learn creative ways you might not otherwise consider. For an even better insight into savings, avoid these 5 myths.
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If you want to get the best deal on your Port St Lucie Homeowner’s Insurance, we highly recommend getting your home inspected! A home inspection will give your insurance company a clear overview of all the components in your home. Insurance companies pay special attention to the age and condition of your roof, plumbing, HVAC system and electrical wiring. In most cases, the better condition they are in, the lower your premium will be! Need a local home inspector? We recommend http://www.mysafeflorida.org/mysafefloridahome.html. Most home inspectors offer the following services.
The purpose of a wind check is to determine the existence of certain structural elements of the house that will help strengthen it in the event of strong winds such as hurricanes. A wind loss reduction check inspection will determine if you qualify for a discount on your home insurance. The inspector will evaluate all typical structural features that reduce wind damage and loss, including anchoring the roof to the floor, secondary water resistance, roof shape, gable bracing, opening protection, roof-to-wall joints, roofing, doors and windows.
A four point check is simply a condensed version of a standard full home check. A full home inspection is usually 60 pages, while a four-point inspection is usually one page. It highlights the 4 main systems in a home (roof, HVAC, electrical and plumbing), hence its name. Truth be told, that’s what insurance companies worry about. They don’t care if you have holes in your screens, graffiti on the front of your house or a broken fence. As long as these things don’t negatively affect the four major systems, home insurance companies don’t care. 🙂
Most standard home insurance policies include liability. Liability protection under a home insurance plan extends to coverage for named insureds and family members in the event they are found to be negligent. However, some people only want liability coverage for their home. At Regency, we have the ability to write “liability only” policies for homeowners. This is one of the ways we differentiate ourselves from our competition, as most do not offer this type of insurance.
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Additionally, if you are a handyman, farmer, electrician or gardener, we can write general liability coverage to cover these business risks as well.
Regency Insurance Group fully understands the value of protecting your dog’s home, especially if you have ever been the victim of a theft or violent crime. We also understand that Killer might be the cutest dog on the planet. And we respect the fact that your dog is probably like a member of the family.
But as you may already know, getting home insurance in Port St Lucie while owning a dog that is considered an “aggressive breed” is difficult. This is because most insurers believe that the legal and medical costs resulting from a dog bite are too great a risk to insure your home. The following breeds are considered dangerous or “badly treated”.
When others tell you, “We’re sorry, we can’t insure you. Your dog is too dangerous”, request a quote from us. One of the advantages of working with Regency Insurance Group is that we can insure your home even in the case of multiple dogs that are considered aggressive.
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Florida homes built after March 1, 2002 are subject to automatic rebates, so they receive wind mitigation credits. The prices of these homes will be significantly lower than those homes built in 2001. Insurance companies are so motivated to make a profit on new construction that in addition to these wind mitigation loans, they also give brand new discounts. Many home builders have an “accredited builder discount”. They have the latest and greatest Florida Building Code Credit. Many new homes are built with hurricane shutters (coastal areas). Some insurance companies actually give a discount if the original year of construction is less than 3 years. New homes are usually very well maintained and have fewer claims.
Hi noobs! Welcome to the wonderful world of home ownership! We’ve been where you are now and we know how overwhelming it can be to absorb all the information thrown at you. Keep your upper lip tight! You’ll get through it, and we’ll be happy to help. Here’s what you need to know about City home insurance for all ages.
1. If you are buying a home, it is important to consider what your insurance costs will be. You can always get a quick real estate quote to get preliminary numbers and information on whether or not you will need flood insurance. Don’t worry, we won’t charge you! 🙂
2. As mentioned above, a home inspection can be your best friend when it comes to saving money on home insurance. The condition of your home’s roof, HVAC, plumbing and electrical systems are the biggest factors that affect the cost of your insurance premium. This is what insurance companies look at the most. So if those systems are new and in good shape, you’re in good shape. Keep in mind that if the home you’re buying is over 30 years old, insurance companies will want to make sure it can pass a 4-point inspection.
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3. The renovation value and the purchase price are very different. If you are buying a large house, be prepared to insure at least $110 per square meter. If you are buying a 3,600 square foot home for $200,000, the value of your insurance will be much higher than your purchase price.
When you finance a home in Port St Lucie, there are a number of declarations and agreements that you must sign. One of those contracts authorizes your lender to “enforce” flood and home insurance on your property if your policy lapses due to nonpayment or is canceled. In this case, your lender will be notified and will be able to buy on your behalf at any price, without discount. It is basically a “no frills” type of coverage. The price of these policies is usually 2 to 3 times higher than what you can find on your own.
The lender will only cover what you owe on the house. So if you have a $200,000 home and owe $20,000, they usually only cover the interest on the loan. They don’t cover water damage, theft, vandalism…it’s the most basic fire and hurricane policy you can buy and it’s expensive.
If you forget, the bank will buy it for you and it’s not nice! Namely, we saw one case where a man
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